i told him he should meet my mentor, stephen eisman. he is really well depicted in the book. you either love him or hate him. i happen to love him. he is smart and the hits keep coming. when i work for steve, we wrote on the fall of last stiegel and the industry. i learned how to do this, his craft. we get every single turn and look at financial from a point of history from a cultural angle. that got you into layers of the financial system that you would have missed otherwise if you have just looked at bank stocks. people that did not connect the dots missed the system. people who connect the dots were the ones that got it. for the ones that got it, it was an organ -- unorthodox way of approaching the system. it is not that steve is really smart, because michael knows a lot of smart people, but if i did not know steve, i would find it hard to believe what he wrote about on paper because the guy is different. >> you mentioned selling short. define that. >> that is when you bet a gus -- a company's stock price is going to go down. >> why would they allow that to happen? >> ther